What Types Of Coverage
Do You Need?
NON-TRUCKING LIABILITY (NTL) -
Also referred to as "Bobtail" insurance though this is not a proper term or
description. NTL is coverage available to leased operators who operate under a
motor carriers' authority who also provides the primary liability coverage. NTL
provides liability coverage when the truck is being used for purposes outside
the scope of the lease. EXAMPLE: using the truck on weekends to run errands.
PRIMARY LIABILITY -
Every trucker/trucking company who operates under their own authority is
required to carry primary liability coverage on all owned units and either
provide this insurance for their leased vehicles or insure that the leased
operator carries it on their own. Generally, the motor carrier provides this
coverage for the leased operators but there are rare instances when this is not
the case.
GENERAL LIABILITY -
Negligence is possible for a trucking company, even when the truck isn't
involved. This could occur either when the driver is out of the truck and is
accused of causing bodily injury or property damage or if the trucking company
owns or operates other equipment or conducts other activities not directly
associated with the use of a truck.
CARGO INSURANCE -
Provides coverage for loss or damage to the property a truck is transporting
(the load). Generally, though not always, provided by the motor carrier for
leased operators.
PHYSICAL DAMAGE (Collision, Specified Perils) - Provides
coverage for repair or replacement for damage resulting from a covered loss
(collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or
vandalism) to owned vehicles.
